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Expert non-QM mortgage insights for self-employed borrowers, real estate investors, and high-net-worth buyers. Market updates, borrower guides, and strategies from America’s #1 consumer-direct non-QM lender.
The investor: A logistics operations manager in Chicago. W-2 income: $162,000/year. Primary residence in Oak Park, IL with a $2,800/month mortgage. He watched Chicago investment
The investor: Chicago-based project manager. Has built a Nashville metro portfolio specifically because Chicago’s property taxes make DSCR math nearly impossible for SFR investments. Four
The investor: Commercial real estate broker in Dallas. Runs his brokerage through an S-Corp. Annual gross commissions variable: $580,000–$740,000/year. After business expenses, vehicle, retirement contribution
The investor: Interior designer in Doral, FL who began hosting short-term rentals in 2021. Two existing properties — a 2BR unit in Doral (STR through
The DSCR loan has one question: does the rent this property earns cover its mortgage payment? Your experience level as an investor has no bearing
The multi-unit DSCR proposition is mathematically different from single-family DSCR. When a property has three or four rental units, the combined rent from all tenants
The condo investor who calculates DSCR without the HOA fee gets the wrong answer. This is the most common condo DSCR mistake, and it’s consequential:
The DSCR qualification process has one income question: what does this property earn? Not what does the investor earn — what does the property earn.